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Participation rate is below 70% (account-balance holders / active employees) - enrollment or auto-enroll opportunity.
Employer contribution per participant is in the bottom quintile of the peer cohort.
Administrative expenses exceed $300 per participant per year - possible fee-review opportunity. (Recordkeeping / audit / legal; excludes investment management.)
Fidelity bond coverage is below the ERISA section 412 10%-of-assets minimum (capped at $500,000).
Assets per participant exceed $250,000 - top-decile high-value plan.
| Metric | This plan | Peer set | Industry | Size |
|---|---|---|---|---|
| Avg account balance | $255,587 | $47,105+442.6% | $68,368+273.8% | $67,986+275.9% |
| Participation rate | 4.2% | 51.8%-47.6pp | 73.8%-69.6pp | 57.2%-53.0pp |
| Annual return | 15.04% | 48.37%-33.3pp | 292.57%-277.5pp | 31.67%-16.6pp |
| Employer contribution / active EE | $191 | $1,859-89.7% | $2,649-92.8% | $2,019-90.5% |
| Participant deferral / active EE | $554 | $2,374-76.6% | $4,123-86.6% | $3,358-83.5% |
| Admin fee / account holder | $2,277 | $2,435-6.5% | $5,150-55.8% | $3,203-28.9% |